ÿWPC|  …# VU:a %› 0 @¡w@á4! 5 0„D 0DÈ  0J 0T^ 0^² 0h 0rx 0|ê 0†f 0ì 1u| 0dñ BUU6rB)¨DCÑ D3 AMGU*” 0@¾,þy*>£„á*e÷v~†vÓ AOׯ& 0Dì D/0 B_ ˜HP LaserJet 4SiHPPCL5MS,ü,,,,,ü0nLlÎ<Ô6X9`+"Courier 10cpiX(ù$¡¡Ó  ÓÓ  Ó æçèéLêëDìíDîïÓ€R¦"V3|xú(4(3DX$¤¤Ý ƒù!ÝÓ  ÓÓ  ÓÝ  Ýà  àòòÚ  Ú0Ú  Úóó(#Ã$òòÚ  Ú0Ú  Úóó2 ÿÿ0Indent1Ô2ÔÔ3  Ô2" ÿÿ0Indent2à0 àÔ2ÔÔ3  Ô2, ÿÿ0Indent3à0 àà0 àÔ2ÔÔ3  Ô26 ÿÿ0Indent4à0 àà0 àà0 àÔ2ÔÔ3  Ô2@ ÿÿ0Indent5à0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2J ÿÿ0Indent6à0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2T ÿÿ0Indent7à0 àà0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2^ ÿÿ0Indent8à0 àà0 àà0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô ÿÿ?AGMSYaioIndent0I.A.1.a.(1)(a)i)a)P ÿÿ8Mac DefaultMac DefaultÓ ` °šXÓ d< Œ 9p`(Courier New% Line 7 d((((7Border 1dd&&&&'ÿÿdxd€-)Cþÿ << Gÿÿ< Œ 9p`(Arial("ÿÿ$££Ò  ÒÒ  Ò "Ý ƒ!ÝÑ  ÑÑ#€d#ÑÔ€'ÔÓ  ÓÓ  ÓÝ  ÝÔ€,ÔÔ€,ÔÓ  ÓÔ YYY ÔFILEDÔ€,XÔÌÌò òMay€28,€1997ÌÌCecil€Crowson,€Jr.ÌÔ€,ôÔAppellate€Court€Clerkó ó oÝ ƒ!ÝÑ#€d#ÑÔ€'ÔÓ  ÓÓ  ÓÝ  ÝÝ ƒ $Ýà àòòÚ  ÚÚ  ÚóóÝ  ÝòòThe€case€was€dismissed€before€the€trial€court€ruled€on€the€question€ofÏwhether€this€was€a€proper€case€to€be€maintained€as€a€class€action€pursuant€toÏRule€23,€Rules€of€Tennessee€Civil€Procedure.óóÌ 4Ý ƒ!ÝÑ#€d#ÑÔ€'ÔÓ  ÓÓ  ÓÝ  ÝÝ ƒ $Ýà àòòÚ  ÚÚ  ÚóóÝ  ÝòòThere€is€no€contract€nor€depository€agreement€attached€to€the€complaintÏas€required€by€Rule€10.03,€Tennessee€Rules€of€Civil€Procedure.óóÌ zÝ ƒ!ÝÑ#€d#ÑÔ€'ÔÓ  ÓÓ  ÓÝ  ÝÝ ƒ $Ýà àòòÚ  ÚÚ  ÚóóÝ  ÝòòWe€likewise€have€reviewed€the€entire€record.€€We€wish€to€call€to€theÏattention€of€the€parties€and€the€Clerk€of€the€Circuit€Court,€the€provisions€ofÏRules€24€and€40,€Tennessee€Rules€of€Appellate€Procedure.óóÌ Ý ƒ!ÝÑ#€d#ÑÔ€'ÔÓ  ÓÓ  ÓÝ  ÝÝ ƒ $Ýà àòòÚ  ÚÚ  ÚóóÝ  ÝòòA€1995€amendment€to€this€section€deleted€the€words€"convenient€to€theÏbank"€in€the€last€sentence€to€this€section.óó€Ì íÝ ƒ!ÝÑ#€d#ÑÔ€'ÔÓ  ÓÓ  ÓÝ  ÝÝ ƒ $Ýà àòòÚ  ÚÚ  ÚóóÝ  ÝòòChapter€4A›€has€no€application€to€the€case€under€consideration.óóÌPtPtHHÚ(ÿáÿâùFG(üHHÚ(d'hStyl{WP}01•ÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃà Ãà Ãà Ãà Ãà ÃÃÃÃÃÃÃÃÃÃÃÐ ÐÐHHÐÐ  ÐÐ2ÐÐÿÿ¸æ$ÿÐÐHHÐÐÐÐÐÐÐÐ  ÐÐ ÐÐ ÐÑÑÑGenevaÑÑ ÑÑ € ÑÑ<Px–ÈÑÒÒÒ443!#4ÒÒ$ *$ÒÒ$*$ÒÒ ÿKK ÒÒ  Geneva ÒÒ  Geneva ÒÓ.,ÓÓÓÓ6ÓÓ ÓßßßßßßßßßßßßßßßßßßÑGenevaÑÑ ÑÒ  h HD: Geneva ÒÒ  h HD: Geneva Ò€-‚ƒCþÿ<< CÿÿƒLevel 1Level 2Level 3Level 4Level 5($$””ò òÚ  Ú1Ú  Úó ó„„'÷ÿ dxdüÿP PdÝ ƒ!ÝÔ . ÔÔ€'ÔÓ  ÓÓ  ÓÝ  ÝÑ ¸ ÑÑ Ü ÑÑ\R AØ'\ÑÑ  ÑÑ  ÑÑ\R AØ'\ÑÑ7€b»XXdÈdÈ7ÑÙ€€ÙßR€+.)A1-j|` Å `€€@ÿRß›Þ ÞÌà@ àIN€THE€COURT€OF€APPEALSÌÌÌÌÌÌÌÌROYCE€T.€SMITH,€individually€€€€)à àCOCKE€CIRCUITÌand€on€behalf€of€all€others€€€€€)€€C.A.€NO.€03A01„9610„CV„00342Ìsimilarly€situated,€€€€€€€€€€€€€)€Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€Plaintiffs„Appellants€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ìvs.€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)à àHON.€WILLIAM€R.€HOLT,€JR.,Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)à àJUDGEÌ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)ÌFIRST€UNION€NATIONAL€BANK€OF€€€€)à àAFFIRMED€AND€REMANDEDÌTENNESSEE,€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€Defendant„Appellee€€€€)ÌÌÌÌÌGORDON€BALL,€œKnoxville,€J.€KENNETH€PORTER,€Newport,›€for€Appel…lants.ÌÌÌWILLIAM€S.€LOCKETT,€JR.,€Kennerly,€Montgomery€&€Finley,€P.C.,ÏKnoxville€and€CARL€N.€PATTERSON,€JR.,€Smith,€Anderson,€Blount,ÏDorsett,€Mitchell€&€Jernigan,€L.L.P.,€Raleigh,€NC€for€appellee.ÌÌÌÌÌÌÓÓà@ àòòO€P€I€N€I€O€NóóÌÌà€ àMcMurray,€J.ÌÌà àRoyce€T.€Smith€(plaintiff)€filed€this€action€against€FirstÏUnion€National€Bank€of€Tennessee€(bank)€ostensibly€as€a€classÏaction.œ× ƒ/ ××  ×›€€In€his€complaint€the€plaintiff€seeks€damages€for€what€isÏalleged€to€be€unfair,€deceptive€and€unlawful€practices€of€the€bankÏin€the€way€and€manner€it€handles€multiple€checks€drawn€on€theÏplaintiff's€checking€account€and€presented€for€payment€on€the€sameÏbanking€day€when€the€aggregate€of€the€checks€exceeds€the€balanceÏin€the€plaintiff's€account.€€Specifically,€the€plaintiff€assertsÏthat€the€bank€honors€checks€in€such€a€fashion€as€to€maximize€theÏfees€charged€by€the€bank€for€checks€œreturned›€for€insufficientÏfunds.€€The€basic€premise€of€the€plaintiff€is€that€the€plaintiffÏhonors€the€largest€check€(in€amount)€first€rather€than€honoringÍthe€checks€œin€a€way€that€maximizes›€the€number€of€checks€that€canÏbe€paid.€€Plaintiff€asserts€that€the€bank's€action€results€in€aÏgreater€number€of€checks€being€returned€for€insufficient€fundsÏand,€hence,€greater€fees€are€generated€by€the€bank€and€charged€toÏits€customers.ÌÌà àThe€plaintiff€charges€that€the€bank€is€guilty€of€breach€ofÏcontract€(breach€of€depository€agreement)€and€of€common„law€badÏfaith€as€well€as€violation€of€T.C.A.€ðððð€47„4„303(2),€48„1„203,€47„1„102(3)€and€47„4„103(1).× ƒ0 ××  ×€€Additionally,€the€plaintiff€charges€theÏdefendant€with€violation€of€the€Tennessee€Consumer€Protection€Act,ÏT.C.A.€ðð€47„18„101,€et€seq.ÌÌà àThe€bank€responded€with€a€motion€to€dismiss€pursuant€to€RuleÏ12.02(6).€€The€basic€thrust€of€the€bank's€motion€is€œthat›€œT.C.A.€ðð›Ïœ47„4„303(b)›€expressly€authorizes€the€practice€about€which€theÏplaintiff€œcomplains.›€ÌÌà àAfter€argument€in€the€trial€court,€the€trial€judge€announcedÏhis€findings€from€the€bench.€€He€reluctantly€sustained€the€motionÏto€dismiss.€€This€appeal€resulted.€€We€affirm€the€action€of€theÏtrial€court.ÌÌà àThe€plaintiff€charges€that€the€court€was€in€error€by€dismiss…ing€the€case€either€under€Rule€12.02(6),€Tennessee€Rules€of€CivilÏProcedure€or€Rule€56,€Tennessee€Rules€of€Civil€Procedure.€€AfterÏour€review€of€the€record€and€the€order€entered€by€the€trial€court,Ïwe€œbelieve€that€it€is€clear€that€the›€case€was€dismissed€pursuantÏto€Rule€12.02(6)€œrather€than›€on€motion€for€summary€judgment.€ÏWhile€the€trial€judge€did€œsay›€that€he€had€read€the€entire€recordÏbefore€the€motion€was€called€for€hearing,€there€is€no€indicationÏthat€he€considered€any€evidence.× ƒ1 ××  ×€€œThe€complaint€was€clearly›Ïdismissed€for€failure€to€state€a€claim€upon€which€relief€can€beÏgranted€pursuant€to€Rule€12.02(6)€Tennessee€Rules€of€Civil€Proce…dure.€€In€any€event,€if€we€find€that€the€complaint€fails€to€stateÍa€claim€upon€which€relief€can€be€granted,€the€question€of€whetherÏthe€dismissal€was€pursuant€to€Rule€12€or€Rule€56€is€moot.ÌÌÓÓà8 àà àA€Rule€12.02(6)€motion€to€dismiss€for€failure€toÏstate€a€claim€upon€which€relief€can€be€granted€testsÏonly€the€sufficiency€of€the€complaint,€not€the€strengthÏof€a€plaintiff's€proof€as€does,€for€example,€a€motionÏfor€a€directed€verdict.€òòœMerriman›€v.€Smithóó,€599€S.W.2dÏ548,€560€(Tenn.€App.€1979).€The€failure€to€state€a€claimÏupon€which€relief€can€be€granted€is€determined€by€anÏexamination€of€the€complaint€alone.€òòœWolcotts›€Fin.€Serv.,ÏInc.€v.€œMcReynolds›óó,€807€S.W.2d€708,€710€œ(Tenn.›€App.Ï1990).€The€basis€for€the€motion€is€that€the€allegationsÏcontained€in€the€complaint,€considered€alone€and€takenÏas€true,€are€insufficient€to€state€a€claim€as€a€matterÏof€law.€òòœCornpropst›€v.€Sloanóó,€528€S.W.2d€188,€190€(Tenn.Ï1975);€òòœShelby›€County€v.€Kingóó,€620€S.W.2d€493,€494€(Tenn.Ï1981);€òòœShipley›€v.€Knoxville€Journal€Corpóó.,€670€S.W.2dÏ222,€223€(œTenn.€›App.€1984).€The€motion€admits€the€truthÏof€all€relevant€and€material€averments€contained€in€theÏcomplaint€but€asserts€that€such€facts€do€not€constituteÏa€cause€of€action.€òòLeague€Cent.€Credit€Union€v.€œMottern›óó,Ï660€S.W.2d€787,€789€(œTenn.€›App.€1983).€In€scrutinizingÏthe€complaint€in€the€face€of€a€Rule€12.02(6)€motion€toÏdismiss,€courts€should€construe€the€complaint€liberallyÏin€favor€of€the€plaintiff,€taking€all€allegations€ofÏfact€therein€as€true.€òòœFuerst›€v.€Methodist€HospitalÏSouthóó,€566€S.W.2d€847,€848€„€49€(Tenn.€1978);€òòœHolloway›Ïv.€œPutnam›€Countyóó,€534€S.W.2d€292,€296€(Tenn.€1976).€TheÏmotion€should€be€denied€unless€it€appears€that€theÏplaintiff€can€prove€no€set€of€facts€in€support€of€herÏclaim€that€would€Ô&  Ôentitle€her€to€relief.€òòœFuerst›óó,€566ÏS.W.2d€at€848.ÌÌòòChristy€C.€Cook€by€and€through€her€next€friend,€Janice€œUithoven›,Ô'  ÔÏand€Janice€œUithoven›€œv.›€Spinnaker's€of€œRivergate›,€Inc.,€and€Tri„mÏManagement,€Incóó.,€878€S.W.2d€934€(Tenn.€1994).€ÌÌÓÓÌà àThe€trial€judge€œbelieved€that€the€bank€was€statutorily€al…lowed€to€do€the€acts€about€which€the€plaintiff€complains.€€TheÏcourt€dismissed€all€claims€including€those€alleged€to€be€a€viola…tion€of€the€provisions€of€the€Tennessee€Consumer€Protection€Act.€ÏThe€court€noted€in€his€opinion,€announced€from€the€bench,€thatÏsince€the€law€permitted€the€bank€to€do€the€acts€about€which€theÏplaintiff€complains,€the€Tennessee€Consumer€Protection€Act€did€notÏapply.ÌÌà àT.C.A.€ðð€47„4„303(b)€is€pivotal€to€the€issue€presented€here.€ÏIt€provides€in€pertinent€part€as€follows:ÌÌò òÓÓà8 à47„4„303.€When€items€subject€to€notice,Ïstop„payment€order,€legal€process,€or€setoff›€„ÏOrder€in€which€items€may€be€charged€or€certified.ó óÏ(a)€Any€knowledge,€notice,€or€stop„payment€order€re…ceived€by,€legal€process€served€upon,€or€setoff€exer…cised€by€a€payor€bank€comes€too€late€to€terminate,Ïsuspend,€or€modify€the€bank's€right€or€duty€to€pay€anÏitem€or€to€charge€its€customer's€account€for€the€item€ifÏthe€knowledge,€notice,€stop„payment€order,€or€legalÏprocess€is€received€or€served€and€a€reasonable€time€forÏthe€bank€to€act€thereon€expires€or€the€setoff€is€exer…cised€after€the€earliest€of€the€following:Ì€Ìà@ à*€€€€€*€€€€€*€€€€€*ÌÌà8 à(b)€€Subject€to€subsection€(a),€items€may€be€accepted,Ïpaid,€certified,€or€charged€to€the€indicated€account€ofÏits€customer€in€any€order€convenient€to€the€bank.× ƒ2 ××  ×ÌÌÌÌÓÓà àParagraph€7€to€the€official€comments€to€the€above€sectionÏprovides€as€follows:ÌÌÓÓà8 àà à7.€€As€between€one€item€and€another€no€priorityÏrule€is€œstated.€This›€is€justified€because€of€the€impos…sibility€of€stating€a€rule€that€would€be€fair€in€allÏcases,€having€in€mind€the€almost€infinite€number€ofÏcombinations€of€large€and€small€checks€in€relation€toÏthe€available€balance€on€hand€in€the€drawer's€account;Ïthe€possible€methods€of€receipt;€and€other€variables.€ÏòòFurther,€the€drawer€has€drawn€all€the€checks,€the€drawerÏshould€have€funds€available€to€meet€all€of€them€and€hasÏno€basis€for€urging€one€should€be€paid€before€anotheróó;Ïand€the€holders€have€no€direct€right€against€the€payorÏor€bank€in€any€event,€unless€of€course,€the€bank€hasÏaccepted,€certified€or€finally€paid€a€particular€item,Ïor€has€become€liable€for€it€under€Section€4„302.€€UnderÏsubsection€(b)€the€bank€has€the€right€to€pay€items€forÏwhich€it€is€itself€liable€ahead€of€those€for€which€it€isÏœnot.€(Emphasis€ours).›€ÌÌÓÓÌà àThe€official€comments,€while€not€binding,€are€very€persuasiveÏin€interpreting€the€statute€to€which€they€apply.€€The€commentsÍgive€some€insight€into€the€intent€of€the€overall€scheme€of€theÏstatute€as€contemplated€by€the€General€Assembly€in€adopting€theÏlanguage€of€the€statute.€€Further€T.C.A.€ðð€47„1„102€provides€inÏpertinent€part€as€follows:ÌÌÓÓà8 àà àò ò47„1„102.€Purposes€„€Rules€of€construction€„ÏVariation€by€agreement€ð"ðó ó.€(1)€Chapters€1„9€of€thisÏtitle€shall€be€liberally€construed€and€applied€to€pro…mote€its€underlying€purposes€and€policies.€€In€anyÏdispute€as€to€the€proper€construction€of€one€or€moreÏsections€of€chapters€1„9€of€this€title,€the€OfficialÏComments€pertaining€to€the€corresponding€sections€of€theÏUniform€Commercial€Code,€Official€Text,€as€adopted€byÏthe€National€Conference€of€Commissioners€on€UniformÏState€Laws€and€the€American€Law€Institute€and€as€inÏeffect€on€the€date€of€enactment€of€the€sections€in€thisÏstate,€shall€constitute€evidence€of€the€purposes€andÏpolicies€underlying€such€sections,€...ÌÌÓÓÌà àWe€should€note€that€an€"item"€as€that€term€is€used€in€theÏabove€is€defined€in€T.C.A.€ðð€47„4„104€as€follows:ÌÌÓÓà8 àà àò òDefinitions€and€index€of€definitions€ð"ð€ó ó(a)€asÏused€in€this€chapter,€unless€the€context€otherwiseÏrequires:ÌÌà@ à*€€€€€*€€€€€*€€€€€*ÌÌà8 àà0 à(9)€"Item"€means€an€instrument€or€a€promise€orÏorder€to€pay€money€handled€by€a€bank€for€collectionÍor€payment.€€The€term€does€not€include€a€paymentÏorder€governed€by€chapter€œ4A›€of€this€title€or€aÏcredit€or€debit€card€slip;œ× ƒ3 ××  ×›ÌÌà@ à*€€€€€*€€€€€*€€€€€*ÌÌÌÓÓà àWe€find€the€terms€"convenient€to€the€bank"€as€used€in€T.C.A.Ïðð€47„4„303€to€be€clear€and€œunambiguous€and€inures€to€the€benefitÏof€the€bank.›€€It€is€not€within€the€province€of€the€court€to€lookÏinto€the€internal€operational€œprocedures›€of€a€bank€and€make€itsÏown€determination€of€what€is€or€is€not€convenient€to€the€bank.€ÏThat€is€a€privilege€explicitly€granted€to€the€bank€by€the€GeneralÏAssembly.€€Where€the€language€is€clear,€a€provision€free€of€anyÏambiguity€cannot€be€changed€under€the€guise€of€interpretation€notÏneeded€to€determine€its€meaning.€€òòSeeóó€òòCarter€County€v.€Williamsóó,Ï190€S.W.2d€311€(Tenn.€App.€1945€and€òòHogan€v.€œMcDanielóó,€319›€S.W.2dÏ311€(Tenn.€1958).ÌÌà àIt€is€our€opinion€that€under€the€authorities€cited€above,€theÏbank€had€the€discretion€to€pay€items€in€a€manner€convenient€to€itÏand€we€cannot€substitute€our€judgment€for€that€of€the€Bank.€€To€doÏso€would€undermine€the€fundamental€purposes€of€the€statute.ÌÌà àWe€will€next€turn€our€attention€to€The€Tennessee€ConsumerÏProtection€Act€of€1977,€(Act),€T.C.A.€ðððð€47„18„101€et€seq.€€TheÏAct,€in€general,€protects€the€consuming€public€from€"unfair€andÏdeceptive"€trade€practices.€€The€Act€specifically€contains€anÏexemption€clause,€however,€which€we€find€to€be€apropos€to€thisÏcase.€€Section€47„18„111(a)€provides€as€follows:ÌÌÓÓà8 àà àò ò47„18„111.€Exemptions.€ð"ðó ó€(a)€€The€provisions€ofÏthis€part€do€not€apply€to:Ì€Ìà8 àà à(1)€Acts€or€transactions€required€or€òòspecificallyÏauthorizedóó€under€the€laws€administered€by,€or€rules€andÏregulations€promulgated€by,€any€regulatory€bodies€orÏofficers€acting€under€the€authority€of€this€state€or€ofÏthe€United€States;€(Emphasis€ours.)ÌÌà@ à*€€€€€*€€€€€*€€€€€*ÌÌà8 àà à(b)à àThe€burden€of€Proving€an€exemption€from€theÏprovisions€of€this€part,€as€provided€in€this€section,Ïshall€be€upon€the€person€claiming€the€exemption.ÌÌÓÓÌà àWhile€we€recognize€that€the€Act€was€intended€to€and€is€sup…plementary€to€any€other€remedies€otherwise€provided€by€law€and€isÏto€be€strictly€construed€in€favor€of€the€consumer,€we€œneverthe›„less,€are€not€at€liberty€to€ignore€the€exemption€privileges.€ÍClearly,€under€the€provisions€of€T.C.A.€ðð€47„4„303(b),€the€bank€isÏacting€under€laws€administered€by€the€State€of€Tennessee€and€isÏexpressly€authorized€to€do€the€acts€of€which€the€plaintiff€com…plains.€€The€bank€is,€therefore,€exempt€from€the€Act€œas€far€as›€theÏpractices€complained€of€by€the€plaintiff€are€concerned.€€Constru…ing€T.C.A.€ðððð€47„4„303(b)€and€47„18„111€together€establishes€thatÏthe€exemption€applies€as€a€matter€of€law.ÌÌà àLastly,€we€turn€our€attention€to€the€question€œof›€"good€faith"Ïas€œthose›€œterms›€œrelate›€to€contracts€at€common€law€and€as€œset€forthÏin›€T.C.A.€ðð€œ47„1„203,€assuming€without€deciding€that€T.C.A.€ðð€47„1„203€applies€to€the€alleged€contract€under€consideration.€€òòSeeóóÏòòWallace€v.€National€Bank€of€Commerceóó,€___€S.W.2d€___€(Tenn.€1996),Ï(1996€Tenn.€LEXIS€714).›€€We€conclude€that€œif›€a€party€to€a€contractÏis€acting€under€authority€expressly€granted€by€statute€and€is€notÏexceeding€that€authority,€there€is,€as€a€matter€of€law,€no€breachÏof€either€the€common€law€duty€of€good€faith€in€the€performance€ofÏthe€contracts€œor›€a€violation€of€statutory€requirements€of€goodÏfaith.ÌÌà àWe€affirm€the€judgment€of€the€trial€court.€€Costs€of€thisÏappeal€are€assessed€to€the€plaintiff€and€this€case€is€remanded€toÏthe€trial€court.ÌÌÓÓà€ à______________________________Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€Don€T.€McMurray,€JudgeÌÌÌÌCONCUR:ÌÌÌœòò(Not€Participating)óó€›ÌHouston€M.€Goddard,€Presiding€JudgeÌÌÌ___________________________________ÌHerschel€P.€Franks,€JudgeÌÇÑ  ÑÑ7€ÕãXXdÈXXdÈ7Ñà@ àIN€THE€COURT€OF€APPEALSÌÌÌÌÌÌÌÌROYCE€T.€SMITH,€individually€€€€)à àCOCKE€CIRCUITÌand€on€behalf€of€all€others€€€€€)€€C.A.€NO.€03A01„9610„CV„00342Ìsimilarly€situated,€€€€€€€€€€€€€)€Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€Plaintiffs„Appellants€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ìvs.€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)à àHON.€WILLIAM€R.€HOLT,€JR.,Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)à àJUDGEÌ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)ÌFIRST€UNION€NATIONAL€BANK€OF€€€€)à àAFFIRMED€AND€REMANDEDÌTENNESSEE,€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€)Ì€€€€€€€€€€Defendant„Appellee€€€€)ÌÌÌ€Ìà@ àò òòòJUDGMENTóóó óÌÌÌÓÓà àThis€appeal€came€on€to€be€heard€upon€the€record€from€theÏCircuit€Court€of€œCocke›€County,€briefs€and€argument€of€counsel.€ÏUpon€consideration€thereof,€this€Court€is€of€the€opinion€thatÏthere€was€no€reversible€error€in€the€trial€court.Ìà àWe€affirm€the€judgment€of€the€trial€court.€€Costs€of€thisÏappeal€are€assessed€to€the€plaintiff€and€this€case€is€remanded€toÏthe€trial€court.ÌÌ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€PER€CURIAM